FTA FINANCE LIMITED

🌳Matureactive

05244729 · ltd · incorporated 2004-09-29

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2025

Net worth

£57.3k

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -57% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 19.3y

30/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 19.3 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

8 officers (6 active, 8 linked, 5 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

15 connected companies via shared directors

Filing history

75 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £57,323

Cash draining

Cash down 57% YoY

Cash YoY

-57%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£25k

↓ 57% YoY

Net Worth

£57k

↑ 1.3% YoY

Current Assets

£161k

↓ 27% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-09-30	2024-09-30
Total assets	£57.4k	£72.5k
Current assets	£160.8k	£221.1k
Cash	£24.6k	£56.8k
Debtors	£136.2k	£164.3k
Net assets	£57.3k	£56.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2026-06-10
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-20
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-07-13
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-24
📄
capital-allotment-shares
capital · SH01
2020-09-24
📄
capital-allotment-shares
capital · SH01
2020-09-24
📄
capital-allotment-shares
capital · SH01
2020-09-24
📄
capital-allotment-shares
capital · SH01
2020-05-05
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-04-21
🔒
Charge registered #2
Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
2019-06-27
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-06-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-06-16
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-17
➕
BREWER, David appointed
director
2015-05-26
➕
ACTON, Caroline appointed
director
2015-05-26
➕
STREVENS, Gillian appointed
director
2007-04-03
🔒
Charge registered #1
Lender: Clydesdale Bank PLC
2004-12-13
➕
ACTON, Andrew appointed
director
2004-10-20
➕
ACTON, Andrew appointed
secretary
2004-10-20
➕
STREVENS, Christopher John appointed
director
2004-10-20
➖
@UKPLC CLIENT SECRETARY LTD resigned
corporate-nominee-secretary
2004-10-20
➖
@UKPLC CLIENT DIRECTOR LTD resigned
corporate-nominee-director
2004-09-29
🏢
Company incorporated
As FTA FINANCE LIMITED
2004-09-29
➕
@UKPLC CLIENT SECRETARY LTD appointed
corporate-nominee-secretary
2004-09-29
➕
@UKPLC CLIENT DIRECTOR LTD appointed
corporate-nominee-director

Owner dependency

66/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 64 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 22 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Christopher John Strevens Individual · British · DOB 12/1962 · age 64	—	—	sig. influencesignificant influence	06/04/2016
Mr Andrew Acton Individual · British · DOB 08/1971 · age 55	—	—	board controlboard control	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

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Similar companies

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EUCO LTD→ 11347932 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
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GWB FINANCIAL SERVICES LTD→ 11030537 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
HOLLIN GREEN LTD→ 16269567 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
HP FINANCE & LEASING LIMITED→ 11706790 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
HTH FINANCE LIMITED→ 10205544 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
HTW ACQUISITIONS 1 LTD→ 07466844 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
I.M.S. (LONDON) LIMITED→ 04179849 · est 2001 · no financials extracted	—	—	—	—	25y	—	—
I.P.M.SIPP LIMITED→ 03173815 · est 1996 · no financials extracted	—	—	—	—	30y	—	—
ILSLEY FINANCE LIMITED→ 04572528 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
IMBER FINANCIAL SERVICES LIMITED→ 09867038 · est 2015 · no financials extracted	—	—	—	—	10y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →

🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

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Company details

Statusactive

Typeltd

Incorporated2004-09-29

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Belfry House

Bell Lane

Hertford

Hertfordshire

SG14 1BP

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2026-10-13

Last: 2025-09-29